Isabella Bank Statistics
Total Valuation
Isabella Bank has a market cap or net worth of $294.32 million. The enterprise value is $398.12 million.
| Market Cap | 294.32M |
| Enterprise Value | 398.12M |
Important Dates
The last earnings date was Thursday, July 23, 2026, after market close.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Sep 28, 2026 |
Share Statistics
Isabella Bank has 7.63 million shares outstanding. The number of shares has decreased by -1.26% in one year.
| Current Share Class | 7.63M |
| Shares Outstanding | 7.63M |
| Shares Change (YoY) | -1.26% |
| Shares Change (QoQ) | +0.11% |
| Owned by Insiders (%) | 7.45% |
| Owned by Institutions (%) | 20.43% |
| Float | 7.06M |
Valuation Ratios
The trailing PE ratio is 14.06 and the forward PE ratio is 10.20.
| PE Ratio | 14.06 |
| Forward PE | 10.20 |
| PS Ratio | 3.54 |
| Forward PS | 3.02 |
| PB Ratio | 1.17 |
| P/TBV Ratio | 1.47 |
| P/FCF Ratio | 12.78 |
| P/OCF Ratio | 11.38 |
| PEG Ratio | n/a |
Enterprise Valuation
| EV / Earnings | 19.94 |
| EV / Sales | 4.78 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 17.28 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 6.32 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 8.51%.
| Return on Equity (ROE) | 8.51% |
| Return on Assets (ROA) | 0.91% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 2.93% |
| Revenue Per Employee | $219,530 |
| Profits Per Employee | $52,673 |
| Employee Count | 379 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, Isabella Bank has paid $5.29 million in taxes.
| Income Tax | 5.29M |
| Effective Tax Rate | 20.93% |
Stock Price Statistics
The stock price has increased by +14.51% in the last 52 weeks. The beta is 0.02, so Isabella Bank's price volatility has been lower than the market average.
| Beta (5Y) | 0.02 |
| 52-Week Price Change | +14.51% |
| 50-Day Moving Average | 39.82 |
| 200-Day Moving Average | 44.62 |
| Relative Strength Index (RSI) | 43.03 |
| Average Volume (20 Days) | 68,486 |
Short Selling Information
The latest short interest is 316,436, so 4.15% of the outstanding shares have been sold short.
| Short Interest | 316,436 |
| Short Previous Month | 305,576 |
| Short % of Shares Out | 4.15% |
| Short % of Float | 4.48% |
| Short Ratio (days to cover) | 5.21 |
Income Statement
In the last 12 months, Isabella Bank had revenue of $83.20 million and earned $19.96 million in profits. Earnings per share was $2.72.
| Revenue | 83.20M |
| Gross Profit | 83.20M |
| Operating Income | 26.96M |
| Pretax Income | 25.25M |
| Net Income | 19.96M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $2.72 |
Balance Sheet
The company has $41.77 million in cash and $145.57 million in debt, with a net cash position of -$103.80 million or -$13.61 per share.
| Cash & Cash Equivalents | 41.77M |
| Total Debt | 145.57M |
| Net Cash | -103.80M |
| Net Cash Per Share | -$13.61 |
| Equity (Book Value) | 248.70M |
| Book Value Per Share | 32.60 |
| Working Capital | -1.88B |
Cash Flow
In the last 12 months, operating cash flow was $25.87 million and capital expenditures -$2.84 million, giving a free cash flow of $23.03 million.
| Operating Cash Flow | 25.87M |
| Capital Expenditures | -2.84M |
| Depreciation & Amortization | n/a |
| Net Borrowing | 72.80M |
| Free Cash Flow | 23.03M |
| FCF Per Share | $3.02 |
Margins
| Gross Margin | n/a |
| Operating Margin | 32.40% |
| Pretax Margin | 30.35% |
| Profit Margin | 23.99% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 27.68% |
Dividends & Yields
This stock pays an annual dividend of $1.12, which amounts to a dividend yield of 2.93%.
| Dividend Per Share | $1.12 |
| Dividend Yield | 2.93% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 41.17% |
| Buyback Yield | 1.26% |
| Shareholder Yield | 4.19% |
| Earnings Yield | 6.78% |
| FCF Yield | 7.83% |
Analyst Forecast
| Price Target | n/a |
| Price Target Difference | n/a |
| Analyst Consensus | n/a |
| Analyst Count | n/a |
| Revenue Growth Forecast (3Y) | n/a |
| EPS Growth Forecast (3Y) | n/a |
Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
| Lynch Fair Value | |
| Lynch Upside | |
| Graham Number | |
| Graham Upside |
Stock Splits
The last stock split was on March 11, 2008. It was a forward split with a ratio of 1.1:1.
| Last Split Date | Mar 11, 2008 |
| Split Type | Forward |
| Split Ratio | 1.1:1 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 4 |